CN106355400A - Service processing method and device - Google Patents
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- CN106355400A CN106355400A CN201510415993.3A CN201510415993A CN106355400A CN 106355400 A CN106355400 A CN 106355400A CN 201510415993 A CN201510415993 A CN 201510415993A CN 106355400 A CN106355400 A CN 106355400A
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/45—Structures or tools for the administration of authentication
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4018—Transaction verification using the card verification value [CVV] associated with the card
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
The invention relates to the technical field of information, in particular to a service processing method and a service processing device with an aim to solve the problem about low success rate and processing efficiency in the prior art. The service processing method includes: after receiving a service processing request sent by a user terminal, a server determining at least one data interaction processing mode to be selected and determining processing success rate under each of the data interaction processing mode on the basis of extracted historical processing records aiming at the data interaction processing mode to be selected; on the basis of the processing success rate under the data interaction processing modes to be selected, determining the data interaction processing mode used for processing the service processing request at the user terminal. Therefore, success rate and processing efficiency in service processing can be increased by selecting the data interaction processing modes used for processing the service processing requests at the user terminals on the basis of determining the processing success rate of the data interaction processing modes to be selected.
Description
Technical field
The application is related to areas of information technology, more particularly, to a kind of method for processing business and device.
Background technology
With the development of information technology, the internationalization trend of Business Processing is more and more obvious.Due to country variant
Or the Business Processing standard of different regions and require different, business often occurs in internationalization Business Processing
The situation of processing failure occurs.
In current business processing flow, user terminal is initiated after Business Processing request to server, service
Device be can determine whether the data interaction processing mode mated with the request of this Business Processing and processes channel, for this user eventually
End processes the request of this Business Processing.In actual enforcement, the number that mates with the Business Processing request of user terminal
Generally have a lot according to interactive processing mode, server typically can randomly choose a kind of data interaction processing mode,
Or a kind of data interaction processing mode is selected based on the processing parameter information of user input or selection, this
Under embodiment, often occur Business Processing failure situation occur, have impact on Business Processing success rate and
Treatment effeciency.
Obviously, the frequent generation of Business Processing failure scenarios will have a strong impact on internationalization business development, business
Process success rate and treatment effeciency relatively low be current urgent problem.
Content of the invention
The embodiment of the present application provides a kind of method for processing business and device, in order to solve at business in prior art
Reason success rate and the relatively low problem for the treatment of effeciency.
The embodiment of the present application provides a kind of method for processing business, comprising:
The Business Processing request that server receive user terminal sends；
Based on the request of described Business Processing, determine at least one candidate for processing described Business Processing request
Data interaction processing mode, and based on the going through of the data interaction processing mode for each candidate extracted
History processes record, determines the process success rate under the data interaction processing mode of each candidate；Wherein,
There is between different data interaction processing modes at least one different processing parameter；
Based on the process success rate under the data interaction processing mode of each candidate, it is defined as described user
The data interaction processing mode of Business Processing request described in terminal processes.
Alternatively, extracted at the history for the data interaction processing mode of each candidate according to following steps
Reason record:
For the data interaction processing mode of each candidate, be extracted in produce in preset time range and
The accounts information carrying in the data interaction processing mode of this kind of candidate and the request of described Business Processing matches
History process record；Described accounts information includes account identification information and/or account attributes information.
Alternatively, based on the process success rate under the data interaction processing mode of each candidate, it is defined as
The data interaction processing mode of Business Processing request described in described user terminal processes, comprising:
From the data interaction processing mode of various candidates, select to process success rate highest data interaction process
Mode is Business Processing request described in described user terminal processes.
Alternatively, based on the process success rate under the data interaction processing mode of each candidate, it is defined as
The data interaction processing mode of Business Processing request described in described user terminal processes, comprising:
Based on the process success rate under the data interaction processing mode of each candidate, send to user terminal
Parameter confirms instruction message, and this parameter confirms that instruction message is used for instruction user and selects processing parameter and/or instruction
The parameter information of user input processing parameter；
The processing parameter being selected based on the user of user terminal feedback and/or the ginseng of the processing parameter of user input
Number information, is defined as the data interaction processing mode of Business Processing request described in described user terminal processes.
Alternatively, the process ginseng of the processing parameter of the user's selection based on user terminal feedback and/or user input
The parameter information of number, is defined as the data interaction process side of Business Processing request described in described user terminal processes
Formula, comprising:
In the data interaction processing mode of described at least one candidate, determine the place that the described user of coupling selects
The data interaction processing mode of the parameter information of processing parameter of reason parameter and/or user input；
In the parameter mating the processing parameter of described user's selection and/or the processing parameter of user input determining
In the data interaction processing mode of information, it is described for selecting to process success rate highest data interaction processing mode
Business Processing request described in user terminal processes.
Optionally it is determined that the data interaction processing mode for Business Processing request described in described user terminal processes
Afterwards, also include:
The Business Processing described in described user terminal processes determining with described Business Processing request and determining please
The data interaction of at least one candidate that the data interaction processing mode asked matches processes channel, and based on carrying
The data interaction for each candidate taking processes the history process record of channel, determine wherein each
The data interaction of candidate processes the process success rate under channel；Described data interaction processes channel and includes processing institute
State each service interface information of Business Processing request；
Under the data interaction processing mode of the request of Business Processing described in described user terminal processes determining,
It is described user terminal processes business using process success rate highest data interaction processing channel.
Alternatively, processed at the history of channel according to the data interaction that following steps are extracted for each candidate
Reason record:
Data interaction for each candidate processes channel, be extracted in produce in preset time range and
The data interaction of this kind of candidate processes channel, described Business Processing carries in asking accounts information and determination
The request of Business Processing described in described user terminal processes the history that matches of data interaction processing mode
Process record, described accounts information includes account identification information and/or account attributes information.
The embodiment of the present application provides a kind of business processing device, comprising:
Receiver module, the Business Processing request sending for receive user terminal；
First determining module, for based on the request of described Business Processing, determining for processing described Business Processing
The data interaction processing mode of at least one candidate of request, and based on the number for each candidate extracting
According to the history process record of interactive processing mode, determine under the data interaction processing mode of each candidate
Process success rate；Wherein, there is between different data interaction processing modes at least one different process ginseng
Number；
Second determining module, for based on the process success under the data interaction processing mode of each candidate
Rate, is defined as the data interaction processing mode of Business Processing request described in described user terminal processes.
In the embodiment of the present application, server, after the Business Processing request receiving user terminal transmission, determines
For completing the data interaction processing mode of at least one candidate of this Business Processing request, and determine each
Plant the process success rate under the data interaction processing mode of candidate, based at the data interaction of each candidate
Process success rate under reason mode, is defined as at the data interaction of described user terminal processes Business Processing request
Reason mode.It can be seen that, the embodiment of the present application can based on a determination that each of candidate data interaction processing mode
Process success rate come to be chosen as user terminal processes Business Processing request data interaction processing mode, thus
Business Processing success rate and treatment effeciency can be improved.
Brief description
The method for processing business flow chart that Fig. 1 provides for the embodiment of the present application one；
The method for processing business flow chart that Fig. 2 provides for the embodiment of the present application two；
The method for processing business flow chart that Fig. 3 provides for the embodiment of the present application three；
The business processing device structural representation that Fig. 4 provides for the embodiment of the present application.
Specific embodiment
In the embodiment of the present application, server, after the Business Processing request receiving user terminal transmission, determines
The data interaction processing mode of at least one candidate, and determine the data interaction processing mode in each candidate
Under process success rate, based on the process success rate under the data interaction processing mode of each candidate, really
It is set to the data interaction processing mode of described user terminal processes Business Processing request.Therefore, the application is implemented
Example can based on a determination that each of the data interaction processing mode of candidate process success rate come to be chosen as use
The data interaction processing mode of family terminal processes Business Processing request, such that it is able to improve Business Processing success rate
And treatment effeciency.
With reference to Figure of description, the embodiment of the present application is described in further detail.
Embodiment one
As shown in figure 1, the method for processing business flow chart providing for the embodiment of the present application one, walk including following
Rapid:
The Business Processing request that s101: server receive user terminal sends.
In specific implementation process, the triggering based on user for the user terminal, initiating Business Processing to server please
Ask, the asked business of this Business Processing request can be acquisition of information business, video/audio obtain business,
Payment transaction etc..
S102: based on the request of described Business Processing, determine for process the request of described Business Processing at least one
Plant the data interaction processing mode of candidate, and based on the data interaction process side for each candidate extracting
The history process record of formula, determines the process success rate under the data interaction processing mode of each candidate；
Wherein, there is between different data interaction processing modes at least one different processing parameter.
In specific implementation process, server (specifically can be handed over by the decision engine execution data in server
The mutually determination of processing mode and following data interaction process channel) please based on the Business Processing that user terminal is initiated
Ask, determine at least one data interaction processing mode that disclosure satisfy that the request of this Business Processing, this data interaction
Processing mode is presented as the combination of various processing parameters, such as international payment business, a kind of data interaction
Processing mode can be related to card authentication value (card verification value, cvv), Billing Address, 3d
The processing parameters such as checking, dollar clearing, here, 3d checking is to prop up on the net for improving credit or debit card
The safety paid, ensure holder's online payment safely, the online payment peace safeguarding holder's interests and release
The full service for checking credentials, non-3d checking does not need to carry out 3d checking.Another kind of data interaction processing mode can
To be related to the processing parameters such as cvv, Billing Address, 3d checking, Euro clearing, two kinds of data interactions are processed
Difference between mode is to settle accounts currency type, and the clearing currency type of the first data interaction processing mode is " dollar
This processing parameter of clearing ", the clearing currency type of second data interaction processing mode be " Euro clearing " this
Plant processing parameter.
In above-mentioned steps, at the history for the data interaction processing mode of each candidate extracted
Reason record, determines the process success rate under the data interaction processing mode of each candidate；It is being embodied as
In, for the data interaction processing mode of each candidate, can be handed over for this data based on all of storage
Mutually the history process record of processing mode to be determining the process success rate under this data interaction processing mode,
Can be based only upon and initiate that the account of Business Processing request matches, for this data interaction processing mode
History process record determining the process success rate under this data interaction processing mode, in the embodiment of the present application
Preferably the latter.
Specifically, for the data interaction processing mode of each candidate, it is extracted in preset time range and produces
The accounts information carrying in raw and this kind of candidate data interaction processing mode and the request of described Business Processing
The history process record matching；Described accounts information includes account identification information and/or account attributes information.
It should be noted that comprising a plurality of record information in the above-mentioned history process record extracted, each note
Record message reflection single treatment process and result, the record information that the history process record of extraction collects
Bar number is more, and calculated process success rate is more accurate.In being embodied as, in data interaction process side
On the premise of formula coupling, can account identification information match to carry in the request of prioritizing selection and Business Processing
Process record determining the process success rate of this data interaction processing mode, with account identification information phase
When the process of coupling (does not have statistical significance) when recording less, can extract and ask institute with this Business Processing
The account attributes information (such as service side of Account Type, Account Registration etc.) of the account being related to matches
Process record to determine the process success rate of this data interaction processing mode；Such as, when initiation pays request
The history payment data of international credit card very little when, can extract under same credit card issuer, with card brand, with card class
Type, the same history payment data blocking (bank identification number, bin).
In addition, based on the described history process record extracted, determining under this kind of data interaction processing mode
Process success rate when, can using extract history process record recorded in the successful number of times of process remove
With total number of processes, as the process success rate determining.Preferably, time series forecasting can be adopted
Mode carries out the process success rate of Business Processing predicting this, that is, statistics in the past each time point
Process success rate, these process success rates are lined up ordered series of numbers sequentially in time, that is, forms time series, lead to
Cross analysis time series, search out the process time dependent rule of success rate, obtain certain predictive mode,
Predict that based on the predictive mode obtaining this carries out the process success rate of Business Processing.
S103: based on the process success rate under the data interaction processing mode of each candidate, be defined as institute
State the data interaction processing mode of Business Processing request described in user terminal processes.
In specific implementation process, can be at the multiple data interactions that can process described Business Processing request
In reason mode, selecting to process the higher data interaction processing mode of success rate is user terminal processes Business Processing
Request.It is alternatively possible to be defined as described user terminal processes Business Processing using following two modes please
The data interaction processing mode asked.
Mode one, from the data interaction processing mode of various candidates, select process success rate highest data
Interactive processing mode is Business Processing request described in described user terminal processes；
Mode two, based on the process success rate under the data interaction processing mode of each candidate, and user is anti-
Feedforward information is defined as the data interaction processing mode of described user terminal processes business；
Specifically, based on the process success rate under each data interaction processing mode, send out to user terminal
Parameter is sent to confirm instruction message, instruction user selects processing parameter (such as to select clearing currency type to be that " dollar is tied
Calculate " or " Euro clearing ") and/or instruction user input processing parameter parameter information (such as input tool
The Billing Address of body)；The processing parameter being selected based on the user of user terminal feedback and/or the place of user input
The parameter information of reason parameter, is defined as the data interaction process side of described user terminal processes Business Processing request
Formula.
Under which two, can based on a determination that each of process success rate under data interaction processing mode,
Instruction user selects the parameter information of processing parameter and/or input processing parameter；Specifically, can refer to user
Show the selection precedence information of different disposal parameter, at the process success rate highest data interaction of such as determination
Reason mode comprises dollar and settles accounts this processing parameter, then can be with instruction user when selecting clearing currency type, preferentially
Dollar is selected to settle accounts this processing parameter；Can also indicate to the user that input processing success rate highest data is handed over
The mutually parameter information needing user input involved by processing mode, such as, processes ginseng except dollar clearing are this
Number is outer, processes success rate highest data interaction processing mode and also comprises several place such as cvv and Billing Address
Reason parameter, then can input cvv information and specific Billing Address with instruction user.
Alternatively, the process ginseng of the processing parameter of the user's selection based on user terminal feedback and/or user input
The parameter information of number, is defined as the data interaction process side of Business Processing request described in described user terminal processes
Formula, comprising:
In the data interaction processing mode of described at least one candidate, determine the place that the described user of coupling selects
The data interaction processing mode of the parameter information of processing parameter of reason parameter and/or user input；
In the parameter mating the processing parameter of described user's selection and/or the processing parameter of user input determining
In the data interaction processing mode of information, it is described for selecting to process success rate highest data interaction processing mode
User terminal processes Business Processing is asked.
In specific implementation process, user not necessarily selects processing parameter according to the instruction of server, with
And |input paramete information, such as in above process, user may not select dollar to settle accounts, and selects
Euro clearing, user is likely to not according to the instruction input cvv information of server and/or specific
Billing Address, then when determining final data interaction processing mode, can be in the process of coupling user's selection
In the data interaction processing mode of the parameter information of parameter and/or input, select to process success rate highest data
Interactive processing mode.
Embodiment two
In addition to data interactive processing mode, at the also data interaction of impact Business Processing final process success rate
Reason channel (processes each service interface information of described Business Processing request), and following examples two will be to data
The selection of interaction process channel elaborates.
As shown in Fig. 2 the method for processing business flow chart providing for the embodiment of the present application two, walk including following
Rapid:
The Business Processing request that s201: server receive user terminal sends.
S202: the Business Processing request being sent based on user terminal, determining please for processing described Business Processing
The data interaction processing mode of at least one candidate asking, and based on the data for each candidate extracted
The history process record of interactive processing mode, determines the place under the data interaction processing mode of each candidate
Reason success rate；Wherein, there is between different data interaction processing modes at least one different processing parameter.
In this step, extract the mistake of the history process record of data interaction processing mode for each candidate
Journey is specifically as follows:
For the data interaction processing mode of each candidate, be extracted in produce in preset time range and
The accounts information carrying in the data interaction processing mode of this kind of candidate and the request of described Business Processing matches
History process record；Described accounts information includes account identification information and/or account attributes information.
S203: based on the process success rate under the data interaction processing mode of each candidate, be defined as institute
State the data interaction processing mode of user terminal processes Business Processing request.
Specifically, from the data interaction processing mode of various candidates, select to process success rate highest data
Interactive processing mode is described user terminal processes Business Processing request.Or, based on each candidate's
Process success rate under data interaction processing mode, sends parameter to user terminal and confirms instruction message, this ginseng
Number confirms that instruction message is used for the ginseng that instruction user selects processing parameter and/or instruction user input processing parameter
Number information；The processing parameter of the processing parameter of the user's selection based on user terminal feedback and/or user input
Parameter information, is defined as the data interaction processing mode of described user terminal processes Business Processing request.
S204: at the business described in described user terminal processes determining with described Business Processing request and determining
The data interaction of at least one candidate that the data interaction processing mode of reason request matches processes channel, and base
In the history process record extracting the process channel of the data interaction for each candidate, determine every wherein
A kind of data interaction of candidate processes the process success rate under channel；Described data interaction processes channel and includes locating
Manage each service interface information of described Business Processing request.
Here, the data interaction in the embodiment of the present application processes channel and refers to determining for described user terminal
Under the data interaction processing mode of processing business, process each service interface calling needed for the business of user's request
Information.Such as, for payment transaction, data interaction processes channel and can comprise under international card channel of disbursement
The different channel interface messages (difference under channel w, channel h, channel c), local card channel of disbursement
(channel y, channel e, channel g), can also comprise the service of Third-party payment company to channel interface message
Interface message etc..
History process record with the data interaction processing mode extracted in embodiment one for each candidate
Similar, the data interaction that this embodiment is extracted for each candidate processes the tool of the history process record of channel
Body process can be:
Data interaction for each candidate processes channel, be extracted in produce in preset time range and
The data interaction of this kind of candidate processes channel, described Business Processing carries in asking accounts information and determination
The request of Business Processing described in described user terminal processes the history that matches of data interaction processing mode
Process record, described accounts information includes account identification information and/or account attributes information.
In being embodied as, process channel for each data interaction, can determine for described user
In the history process record corresponding to data interaction processing mode of terminal processes Business Processing request, further
Extract and process, with this kind of data interaction, the history process record that channel mates, the history that this extracts further is processed
A plurality of record information is comprised, each record information reflects single treatment process and result in record,
The record information bar number that the history process record that this extracts further collects is more, calculated processes successfully
Rate is more accurate.In being embodied as, before data interaction processing mode and data interaction process channel coupling
Put, the history of the account identification information match that can carry in being asked with Business Processing with prioritizing selection is processed
Record determining the process success rate processing under channel in this kind of data interaction, with account identification information phase
The account of the account involved with the request of this Business Processing when the process of coupling records less, can be extracted further
What family attribute information matched processes record to determine the process success processing under channel in this kind of data interaction
Rate.
In addition, when determining the process success rate processing under channel at each, can be pre- using time serieses
The mode surveyed carries out the process success rate of Business Processing predicting this, that is, statistics each time in the past
The process success rate of point, these process success rates is lined up ordered series of numbers sequentially in time, that is, forms time series,
By ordered series of numbers analysis time, search out the process time dependent rule of success rate, obtain certain prediction mould
Formula, predicts that based on the predictive mode obtaining this carries out the process success rate of Business Processing.
S205: in the data interaction process side of the request of Business Processing described in described user terminal processes determining
Under formula, it is described user terminal processes Business Processing using process success rate highest data interaction processing channel
Request.
Below, in conjunction with specific application scenarios, the method for the embodiment of the present application is described further.
Embodiment three
As shown in figure 3, the method for processing business flow chart providing for the embodiment of the present application three, comprising:
The Business Processing request that s301: server receive user terminal sends.
Here, so that Business Processing request is for paying request as a example, in the Business Processing request that user terminal sends
Payment card information, commodity/service information, terminal device information etc. can be comprised, wherein, pay with card letter
Breath may include that card brand (such as visa, mastercard, maestro etc.), Card Type
(such as infinitely card, platinum card, gold card, generic card etc.), credit card issuer (such as Wells Fargo, star-spangled banner silver
Row, the Hong Kong and Shanghai Banking Corporation, Barclay Bank PLC etc.), receive single file (such as agricultural bank, industrial and commercial bank, star exhibition silver
Row etc.).Commodity/service information may include that trade company/service side's mark, commodity classification, payment etc..
Terminal device information may include that device type (such as PC pc, panel computer pad, movement
Terminal etc.), payment devices geographical position, time of payment etc..
Such as, comprise in the Business Processing request that user terminal sends:
Merchandise news: a) service trade company: trade company x；B) commodity classification: mobile phone；C) amount of money: 200 dollars；
Terminal device information: a) device type: android mobile phone；B) device geographical location: Russian Samar
Draw state Samara city；C) time of payment: 9 points of 23 minutes (local times) of afternoon；
Payment card information: a) hair fastener state: Russia；B) credit card issuer: sberbank of russia；
C) card brand: mastercard；D) Card Type: platinum card；E) card number: 546938******8888.
S302: based on the request of described Business Processing, determine for process the request of described Business Processing at least one
Plant the data interaction processing mode of candidate；Wherein, have at least one between different data interaction processing modes
Plant different processing parameters.
Here, various processing parameters are combined by the decision engine in server, and every kind of combination is as a kind of
Data interaction processing mode.As shown in following table one, (predetermined period in table one and payment success rate will be following
Described in step):
Table one
S303: for the data interaction processing mode of each candidate, be extracted in preset time range and produce
The data interaction processing mode with this kind of candidate and the request of described Business Processing in the accounts information phase that carries
The history process record of coupling, and based on the history process record extracted, determine that the data in this kind of candidate is handed over
The mutually process success rate under processing mode；Described accounts information includes account identification information and/or account attributes letter
Breath.
In specific implementation process, decision engine preferentially chooses the involved account of Business Processing request (such as
Credit number) history process record carry out process success rate statistics.Such as, Business Processing request is involved
And the history process record of account include: record one: 2014 on January 15,16:45 (gmt) exists
16 dollars of leather shoes bought by aliexpress platform；Pc, Russian Samara state Samara city, account number (letter
With card number) 546938******8888 payment；Walk international card and process channel w, process successfully；Record two: ...,
12 altogether, order under the account, payment times 15 times, using channel of disbursement 3, pay success rate
80%, Order success rate 100%.
The history process record of the payment account involved by when Business Processing request very little, does not possess statistical significance
When, can be belonged under same credit card issuer based on the payment account involved with Business Processing request, with card brand,
Same Card Type, the history process record of each payment account of same card bin, determine in different pieces of information interaction process
Process success rate under mode.
In specific implementation process, can determine in the way of using time series forecasting that this is carried out at business
The process success rate of reason, that is, the process success rate of each time point of statistics past, these is processed into
Power lines up ordered series of numbers sequentially in time, that is, form time series, by ordered series of numbers analysis time, finds source
The reason time dependent rule of success rate, obtains certain predictive mode, based on the predictive mode obtaining Lai pre-
Survey the process success rate that this carries out Business Processing.
As shown in upper table one, for the process success rate under different pieces of information interactive processing mode of prediction, prediction
Cycle namely timing statisticses length, corresponding described nearest setting time section.
S304: based on the process success rate under the data interaction processing mode of each candidate, whole to user
End send parameter confirm instruction message, this parameter confirm instruction message be used for instruction user select processing parameter and
/ or instruction user input processing parameter parameter information；The process ginseng being selected based on the user of user terminal feedback
The parameter information of the processing parameter of number and/or user input, being defined as described user terminal processes Business Processing please
The data interaction processing mode asked.
Data from table one understands, the process success rate highest under data interaction processing mode 1, data
Need in interactive processing mode 1 user input cvv, Billing Address and select clearing currency type, to
The parameter that family terminal sends confirms in instruction message, and guiding user completes cvv, the filling in of Billing Address,
And the selection of dollar clearing, here, user has selection not fill in cvv, Billing Address, and does not select
Select the authority of dollar clearing, if user does not fill in cvv or Billing Address, or have selected other clearing
Currency type (such as have selected Euro clearing), then need the feedback information with reference to user terminal, again by various places
Reason parameter is combined, form new data interaction processing mode it is assumed here that user fill in cvv and
Billing Address, but have selected Euro clearing, then it is ultimately determined to described user terminal processes Business Processing request
Data interaction processing mode be a kind of data interaction processing mode 2 of table.
S305: the business described in described user terminal processes determining with described Business Processing request and determining
The data interaction processing at least one candidate that the data interaction processing mode asked matches processes channel, institute
State data interaction process channel to include processing each service interface information of described Business Processing request.
Here, decision engine combines the information such as hair fastener state in Business Processing request, and determine for described
The restriction of various processing parameters in the data interaction processing mode of user terminal processes business, determines the place of coupling
Reason channel.As shown in following table two:
Table two
S306: the data interaction for each candidate processes channel, is extracted in preset time range and produces
And this kind of candidate data interaction process channel, described Business Processing request in carry accounts information,
And the data interaction processing mode of the request of Business Processing described in described user terminal processes determining matches
History process record, based on extract history process record, determine this kind of candidate data interaction process
Process success rate under channel；Described accounts information includes account identification information and/or account attributes information.
In being embodied as, can be from the final corresponding history of data interaction processing mode determining and adopting
In reason record, extract further and process the history process record that channel matches, base with each data interaction
In the history process record extracted further, predict that this processes the process under channel in each data interaction
Success rate, prediction mode is shown in above-described embodiment two and the present embodiment with regard in each data interaction processing mode
Under process success rate prediction, I will not elaborate, predicts the outcome and is shown in Table two.
S307: in the data interaction process side of the request of Business Processing described in described user terminal processes determining
Under formula, it is business described in described user terminal processes using process success rate highest data interaction processing channel
Process request.
As shown in Table 2, selecting to process channel 1 using data interaction is described user terminal processes business.
In being embodied as, after confirming to process success, can successfully indicate letter to user terminal transmission processe
Breath, and the information Store such as the data interaction processing mode data interaction process channel that this is adopted,
To use during the Business Processing request processing this user terminal next time.
Based on same inventive concept, additionally provide a kind of corresponding with method for processing business in the embodiment of the present application
Business processing device, because the principle of this device solve problem is similar to the embodiment of the present application method for processing business,
The enforcement of therefore this device may refer to the enforcement of method, repeats no more in place of repetition.
As shown in figure 4, the business processing device structural representation providing for the embodiment of the present application, comprising:
Receiver module 41, the Business Processing request sending for receive user terminal；
First determining module 42, for based on the request of described Business Processing, determining for processing at described business
The data interaction processing mode of at least one candidate of reason request, and based on extraction for each candidate's
The history process record of data interaction processing mode, determines under the data interaction processing mode of each candidate
Process success rate；Wherein, there is between different data interaction processing modes at least one different process
Parameter；
Second determining module 43, for based on being processed under the data interaction processing mode of each candidate
Power, is defined as the data interaction processing mode of Business Processing request described in described user terminal processes.
Alternatively, described first determining module 42 is specifically for extracting for each time according to following steps
The history process record of the data interaction processing mode of choosing:
For the data interaction processing mode of each candidate, be extracted in produce in preset time range and
The accounts information carrying in the data interaction processing mode of this kind of candidate and the request of described Business Processing matches
History process record；Described accounts information includes account identification information and/or account attributes information.
Alternatively, described second determining module 43 specifically for:
From the data interaction processing mode of various candidates, select to process success rate highest data interaction process
Mode is Business Processing request described in described user terminal processes.
Alternatively, described second determining module 43 specifically for:
Based on the process success rate under the data interaction processing mode of each candidate, send to user terminal
Parameter confirms instruction message, and this parameter confirms that instruction message is used for instruction user and selects processing parameter and/or instruction
The parameter information of user input processing parameter；Based on user terminal feedback user select processing parameter and/
Or the parameter information of the processing parameter of user input, being defined as Business Processing described in described user terminal processes please
The data interaction processing mode asked.
Alternatively, described second determining module 43 specifically for:
In the data interaction processing mode of described at least one candidate, determine the place that the described user of coupling selects
The data interaction processing mode of the parameter information of processing parameter of reason parameter and/or user input；Determine
Join the processing parameter of described user's selection and/or the data interaction of the parameter information of processing parameter of user input
In processing mode, selecting to process success rate highest data interaction processing mode is described user terminal processes industry
Business processes request.
Alternatively, described device also includes:
3rd determining module 44, for for being defined as described user terminal in described second determining module 43
After processing business processes the data interaction processing mode of request, determine and ask with described Business Processing and determine
Business Processing described in described user terminal processes request data interaction processing mode match at least
A kind of data interaction of candidate processes channel, and is processed based on the data interaction extracted for each candidate
The history process record of channel, determines that the data interaction of each candidate wherein processes being processed under channel
Power, described data interaction processes channel and includes processing each service interface information of described Business Processing request；
Under the data interaction processing mode of the request of Business Processing described in described user terminal processes determining, adopt
Processing success rate highest data interaction and processing channel is Business Processing request described in described user terminal processes.
Alternatively, described 3rd determining module 44 is specifically for extracting for each time according to following steps
The history process record of the data interaction process channel of choosing:
Data interaction for each candidate processes channel, be extracted in produce in preset time range and
The data interaction of this kind of candidate processes channel, described Business Processing carries in asking accounts information and determination
The request of Business Processing described in described user terminal processes the history that matches of data interaction processing mode
Process record, described accounts information includes account identification information and/or account attributes information.
Those skilled in the art are it should be appreciated that embodiments herein can be provided as method, system or meter
Calculation machine program product.Therefore, the application can be using complete hardware embodiment, complete software embodiment or knot
Close the form of the embodiment of software and hardware aspect.And, the application can adopt and wherein wrap one or more
Computer-usable storage medium containing computer usable program code (including but not limited to disk memory,
Cd-rom, optical memory etc.) the upper computer program implemented form.
The application is to produce with reference to according to the method for the embodiment of the present application, device (system) and computer program
The flow chart of product and/or block diagram are describing.It should be understood that can by computer program instructions flowchart and
/ or block diagram in each flow process and/or the flow process in square frame and flow chart and/or block diagram and/
Or the combination of square frame.These computer program instructions can be provided to general purpose computer, special-purpose computer, embed
The processor of formula datatron or other programmable data processing device is to produce a machine so that passing through to calculate
The instruction of the computing device of machine or other programmable data processing device produces for realizing in flow chart one
The device of the function of specifying in individual flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions may be alternatively stored in and computer or other programmable datas can be guided to process and set
So that being stored in this computer-readable memory in the standby computer-readable memory working in a specific way
Instruction produce and include the manufacture of command device, the realization of this command device is in one flow process or multiple of flow chart
The function of specifying in flow process and/or one square frame of block diagram or multiple square frame.
These computer program instructions also can be loaded in computer or other programmable data processing device, makes
Obtain and series of operation steps is executed on computer or other programmable devices to produce computer implemented place
Reason, thus the instruction of execution is provided for realizing in flow chart one on computer or other programmable devices
The step of the function of specifying in flow process or multiple flow process and/or one square frame of block diagram or multiple square frame.
Although having been described for the preferred embodiment of the application, those skilled in the art once know base
This creative concept, then can make other change and modification to these embodiments.So, appended right will
Ask and be intended to be construed to including preferred embodiment and fall into being had altered and changing of the application scope.
Obviously, those skilled in the art can carry out various changes and modification without deviating from this Shen to the application
Spirit and scope please.So, if the application these modification and modification belong to the application claim and
Within the scope of its equivalent technologies, then the application is also intended to comprise these changes and modification.
Claims (14)
1. a kind of method for processing business is it is characterised in that the method includes:
The Business Processing request that server receive user terminal sends；
Based on the request of described Business Processing, determine at least one candidate for processing described Business Processing request
Data interaction processing mode, and based on the going through of the data interaction processing mode for each candidate extracted
History processes record, determines the process success rate under the data interaction processing mode of each candidate；Wherein,
There is between different data interaction processing modes at least one different processing parameter；
Based on the process success rate under the data interaction processing mode of each candidate, it is defined as described user
The data interaction processing mode of Business Processing request described in terminal processes.
2. the method for claim 1 is it is characterised in that extract for each according to following steps
The history process record of the data interaction processing mode of kind candidate:
For the data interaction processing mode of each candidate, be extracted in produce in preset time range and
The accounts information carrying in the data interaction processing mode of this kind of candidate and the request of described Business Processing matches
History process record；Described accounts information includes account identification information and/or account attributes information.
3. method as claimed in claim 1 or 2 is it is characterised in that based on the number in each candidate
According to the process success rate under interactive processing mode, it is defined as Business Processing request described in described user terminal processes
Data interaction processing mode, comprising:
From the data interaction processing mode of various candidates, select to process success rate highest data interaction process
Mode is Business Processing request described in described user terminal processes.
4. method as claimed in claim 1 or 2 is it is characterised in that based on the number in each candidate
According to the process success rate under interactive processing mode, it is defined as Business Processing request described in described user terminal processes
Data interaction processing mode, comprising:
Based on the process success rate under the data interaction processing mode of each candidate, send to user terminal
Parameter confirms instruction message, and this parameter confirms that instruction message is used for instruction user and selects processing parameter and/or instruction
The parameter information of user input processing parameter；
The processing parameter being selected based on the user of user terminal feedback and/or the ginseng of the processing parameter of user input
Number information, is defined as the data interaction processing mode of Business Processing request described in described user terminal processes.
5. method as claimed in claim 4 is it is characterised in that selected based on the user of user terminal feedback
The processing parameter selected and/or the parameter information of the processing parameter of user input, are defined as described user terminal processes
The data interaction processing mode of described Business Processing request, comprising:
In the data interaction processing mode of described at least one candidate, determine the place that the described user of coupling selects
The data interaction processing mode of the parameter information of processing parameter of reason parameter and/or user input；
In the parameter mating the processing parameter of described user's selection and/or the processing parameter of user input determining
In the data interaction processing mode of information, it is described for selecting to process success rate highest data interaction processing mode
Business Processing request described in user terminal processes.
6. the method for claim 1 is it is characterised in that be defined as described user terminal processes institute
After stating the data interaction processing mode of Business Processing request, also include:
The Business Processing described in described user terminal processes determining with described Business Processing request and determining please
The data interaction of at least one candidate that the data interaction processing mode asked matches processes channel, and based on carrying
The data interaction for each candidate taking processes the history process record of channel, determine wherein each
The data interaction of candidate processes the process success rate under channel；Described data interaction processes channel and includes processing institute
State each service interface information of Business Processing request；
Under the data interaction processing mode of the request of Business Processing described in described user terminal processes determining,
It is Business Processing described in described user terminal processes using process success rate highest data interaction processing channel
Request.
7. method as claimed in claim 6 is it is characterised in that extract for each according to following steps
The history process record of the data interaction process channel of kind candidate:
Data interaction for each candidate processes channel, be extracted in produce in preset time range and
The data interaction of this kind of candidate processes channel, described Business Processing carries in asking accounts information and determination
The request of Business Processing described in described user terminal processes the history that matches of data interaction processing mode
Process record, described accounts information includes account identification information and/or account attributes information.
8. a kind of business processing device is it is characterised in that this device includes:
Receiver module, the Business Processing request sending for receive user terminal；
First determining module, for based on the request of described Business Processing, determining for processing described Business Processing
The data interaction processing mode of at least one candidate of request, and based on the number for each candidate extracting
According to the history process record of interactive processing mode, determine under the data interaction processing mode of each candidate
Process success rate；Wherein, there is between different data interaction processing modes at least one different process ginseng
Number；
Second determining module, for based on the process success under the data interaction processing mode of each candidate
Rate, is defined as the data interaction processing mode of Business Processing request described in described user terminal processes.
9. device as claimed in claim 8 it is characterised in that described first determining module specifically for
According to following steps extract for each candidate data interaction processing mode history process record:
For the data interaction processing mode of each candidate, be extracted in produce in preset time range and
The accounts information carrying in the data interaction processing mode of this kind of candidate and the request of described Business Processing matches
History process record；Described accounts information includes account identification information and/or account attributes information.
10. device as claimed in claim 8 or 9 is it is characterised in that described second determining module is concrete
For:
From the data interaction processing mode of various candidates, select to process success rate highest data interaction process
Mode is Business Processing request described in described user terminal processes.
11. devices as claimed in claim 8 or 9 are it is characterised in that described second determining module is concrete
For:
Based on the process success rate under the data interaction processing mode of each candidate, send to user terminal
Parameter confirms instruction message, and this parameter confirms that instruction message is used for instruction user and selects processing parameter and/or instruction
The parameter information of user input processing parameter；Based on user terminal feedback user select processing parameter and/
Or the parameter information of the processing parameter of user input, being defined as Business Processing described in described user terminal processes please
The data interaction processing mode asked.
12. devices as claimed in claim 11 are it is characterised in that described second determining module is specifically used
In:
In the data interaction processing mode of described at least one candidate, determine the place that the described user of coupling selects
The data interaction processing mode of the parameter information of processing parameter of reason parameter and/or user input；Determine
Join the processing parameter of described user's selection and/or the data interaction of the parameter information of processing parameter of user input
In processing mode, selecting to process success rate highest data interaction processing mode is described user terminal processes institute
State Business Processing request.
13. devices as claimed in claim 8 are it is characterised in that described device also includes:
3rd determining module, for being defined as at described user terminal processes business in described second determining module
After the data interaction processing mode of reason request, determine with the request of described Business Processing and determine for described use
At least one candidate's that the data interaction processing mode of Business Processing request described in the terminal processes of family matches
Data interaction processes channel, and processes the history of channel based on the data interaction extracted for each candidate
Process record, determine that the data interaction of each candidate wherein processes the process success rate under channel, described
Data interaction processes channel and includes processing each service interface information of described Business Processing request；Determine it is
Under the data interaction processing mode of Business Processing request described in described user terminal processes, using process success rate
It is Business Processing request described in described user terminal processes that highest data interaction processes channel.
14. devices as claimed in claim 13 are it is characterised in that described 3rd determining module is specifically used
History process record in the data interaction process channel being extracted according to following steps for each candidate:
Data interaction for each candidate processes channel, be extracted in produce in preset time range and
The data interaction of this kind of candidate processes channel, described Business Processing carries in asking accounts information and determination
The request of Business Processing described in described user terminal processes the history that matches of data interaction processing mode
Process record, described accounts information includes account identification information and/or account attributes information.
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| TW105107053A TWI705392B (en) | 2015-07-15 | 2016-03-08 | Business processing method and device |
| US15/208,880 US10248980B2 (en) | 2015-07-15 | 2016-07-13 | Method and device for selecting a service processing mode based on historical success rates |
| PCT/US2016/042185 WO2017011614A1 (en) | 2015-07-15 | 2016-07-14 | Method and device for service processing |
| KR1020187000858A KR102037010B1 (en) | 2015-07-15 | 2016-07-14 | Method and device for service processing |
| MYPI2017001882A MY197724A (en) | 2015-07-15 | 2016-07-14 | Method and device for service processing |
| JP2017564687A JP6648391B2 (en) | 2015-07-15 | 2016-07-14 | Service processing method and device |
| PH12017502421A PH12017502421A1 (en) | 2015-07-15 | 2017-12-22 | Method and device for service processing |
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| JP (1) | JP6648391B2 (en) |
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- 2016-07-13 US US15/208,880 patent/US10248980B2/en active Active
- 2016-07-14 KR KR1020187000858A patent/KR102037010B1/en active IP Right Grant
- 2016-07-14 MY MYPI2017001882A patent/MY197724A/en unknown
- 2016-07-14 JP JP2017564687A patent/JP6648391B2/en active Active
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2017
- 2017-12-22 PH PH12017502421A patent/PH12017502421A1/en unknown
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107784432A (en) * | 2017-09-26 | 2018-03-09 | 平安科技（深圳）有限公司 | A kind of method for distributing business and terminal device |
| CN110246043A (en) * | 2019-04-16 | 2019-09-17 | 阿里巴巴集团控股有限公司 | Project fee payment method, device, electronic equipment and storage medium |
| CN111738468A (en) * | 2019-05-10 | 2020-10-02 | 北京京东尚科信息技术有限公司 | Data processing method, data processing apparatus, computer system, and medium |
| CN111178858A (en) * | 2019-12-31 | 2020-05-19 | 中国银行股份有限公司 | Transaction data processing method, device, equipment and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| KR102037010B1 (en) | 2019-10-25 |
| US10248980B2 (en) | 2019-04-02 |
| TW201702942A (en) | 2017-01-16 |
| US20170019500A1 (en) | 2017-01-19 |
| PH12017502421A1 (en) | 2018-07-02 |
| TWI705392B (en) | 2020-09-21 |
| JP2018524699A (en) | 2018-08-30 |
| MY197724A (en) | 2023-07-10 |
| JP6648391B2 (en) | 2020-02-14 |
| KR20180030514A (en) | 2018-03-23 |
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